We recognize the importance
of protecting the privacy of personal identifying information
that may be submitted to us when you visit our website. The information
we receive depends on what you do when you visit our site. This
is how we handle the information we learn about you from your
visit to our website.

If you visit our
site to read or download information on our web pages such as
press releases, credit forum articles, etc.,

We collect and store
only the following information about you: name of the domain
from which you access the Internet (for example, aol.com, if
you are connecting from an America Online account); date and
time you access our website; pages you may have visited on our
site; and Internet address of the website from where you came
to visit our website.

We use the information
we collect only to measure the number of visitors to the different
pages and sections of our site, and to help us make our site
more useful to visitors.

If you visit our
website to use interactive banking tools such as financial calculators,
self-tests, etc.,

You may be asked for
information in order to complete the requested calculation, analysis
or evaluation. We do NOT ask for personal identifying information
such as your name, address, or telephone number; nor do we collect
or retain any information on our server that you may provide
to complete a calculation or self-test.

If you identify
yourself by sending an e-mail or request that your email address
be included on a list to receive updated material from us:

The email address and
any information you submit is ONLY used to process your request.

We Want To Be Very Clear

We protect and safeguard
the privacy of users
of our on-line services, just as we do throughout the rest of
our business. We will use personal information ONLY to identify
you, to communicate with you, and to help us answer your questions.

We will NOT sell
personally-identifying information to a third party for the purpose of
solicitation and we will NOT provide personal information to
a third party for its own use.